Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

The average auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs $3,106 or more. Teens cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $843
• Choosing higher $1,000 deductibles can save $182 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,442
• Selecting low deductibles for comp and collision coverage costs an additional $358 annually
• Higher-risk drivers with serious driving violations could pay around $3,106
• Policy cost with full coverage for a 16-year-old driver can cost $5,420 each year

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Insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,060 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Toyota Tundra Insurance

Finding cheaper rates on insurance for a Toyota Tundra takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the data that was presented in the illustrations above.

• Drivers can save around $170 per year just by quoting online in advance
• Insureds who purchase an increased level of liability coverage will pay approximately $500 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $452 each month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,660 more per year than a safer driver

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.